down in a hole.
Date: Fri, 01/19/2007 - 01:05
Hello.
I am attempting a 2nd post seeing that my computer froze (which has been happening alot lately due to it's age). I had to restart my computer, so I hope this is the right forum this needs to be posted in.
I read over the many stories and suggestions posted here and I figured I would give this place a shot. I am in $20k+ debt with credit cards. My story is long so I'll try to cut the fat out. About a year ago I got into Care One Credit to help with my bills. They were wonderful ($333 a month). Life was good untill I screwed up and got talked into a refinace on my house (July '06) from a friend. After being pushed off a month or so I should have backed out. Well September rolled around and we were suppose to close the deal. The Care One Credit was canceled and we waited. We then found out the lender backed out, then the credit card companies realized they didn't get their pay-off so guess who they started calling. Well our "friend" assured us we would get it hammered out with a new lender, then she went AWOL for a few months. The new lender took too long to get his job done because i was laid off from my job. I called him when I found out I would be out of a job and he sighed like it was the end of the world. He then asked me to tell HR I was still employed when his lender called to verify employment. Well I didn't because I was not going to have someone lie and at that point I was fed up with everything. When we started working with her, our credit was great. Now, well I can't describe what it looks like.
So in the mean time I got charge off letters and 18-20 phone calls a day. I contacted Care One again and because I am unemployed they couldn't help me. So they send me to Freedom Point. They seemed to want to help, but back to square one, being unemployed and -$200 a month to pay my house and utilities, they can't help me until I get a job. They did have a "lawyer" (not sure if he/she really is) that could help me file chapter 7, but then again he/she wants the money upfront. I can't afford that. My wife works as a sub at the local school and unemplyment here in TX is a joke. I need help bad. I'm scared to awnser my phone and if it's not a name or number I know I don't awnser. It's making me sick to my stomach. I'm scared that I will lose everything (though my vehicles are paid off and too old to be worth anything) that I can't sleep at night (seriously it's 3am right now), I'm scared of being sued. I just want this over. I want to find someone who could help that understands our money situation and would be willing to take low monthly payments until I get a full time job. I think some people might call that a sliding scale, I'm not hip to the terms.
So to wrap this up, I'm over $20k in debt. I did NOT lose any money with the refinance. I'm unemployed (but diligently looking), stressed, scared and need someone who can help me in my situation. I understand a rep will be calling me. I have checked my email and made a notation of the supplied phone number. But like I said, I'm scared to awnser the wrong number and be harrassed by a collection agency. I'm not a dead beat, I want this taken care of so I can get my life back on a secured and healthy one.
Thank you for your time.
I am attempting a 2nd post seeing that my computer froze (which has been happening alot lately due to it's age). I had to restart my computer, so I hope this is the right forum this needs to be posted in.
I read over the many stories and suggestions posted here and I figured I would give this place a shot. I am in $20k+ debt with credit cards. My story is long so I'll try to cut the fat out. About a year ago I got into Care One Credit to help with my bills. They were wonderful ($333 a month). Life was good untill I screwed up and got talked into a refinace on my house (July '06) from a friend. After being pushed off a month or so I should have backed out. Well September rolled around and we were suppose to close the deal. The Care One Credit was canceled and we waited. We then found out the lender backed out, then the credit card companies realized they didn't get their pay-off so guess who they started calling. Well our "friend" assured us we would get it hammered out with a new lender, then she went AWOL for a few months. The new lender took too long to get his job done because i was laid off from my job. I called him when I found out I would be out of a job and he sighed like it was the end of the world. He then asked me to tell HR I was still employed when his lender called to verify employment. Well I didn't because I was not going to have someone lie and at that point I was fed up with everything. When we started working with her, our credit was great. Now, well I can't describe what it looks like.
So in the mean time I got charge off letters and 18-20 phone calls a day. I contacted Care One again and because I am unemployed they couldn't help me. So they send me to Freedom Point. They seemed to want to help, but back to square one, being unemployed and -$200 a month to pay my house and utilities, they can't help me until I get a job. They did have a "lawyer" (not sure if he/she really is) that could help me file chapter 7, but then again he/she wants the money upfront. I can't afford that. My wife works as a sub at the local school and unemplyment here in TX is a joke. I need help bad. I'm scared to awnser my phone and if it's not a name or number I know I don't awnser. It's making me sick to my stomach. I'm scared that I will lose everything (though my vehicles are paid off and too old to be worth anything) that I can't sleep at night (seriously it's 3am right now), I'm scared of being sued. I just want this over. I want to find someone who could help that understands our money situation and would be willing to take low monthly payments until I get a full time job. I think some people might call that a sliding scale, I'm not hip to the terms.
So to wrap this up, I'm over $20k in debt. I did NOT lose any money with the refinance. I'm unemployed (but diligently looking), stressed, scared and need someone who can help me in my situation. I understand a rep will be calling me. I have checked my email and made a notation of the supplied phone number. But like I said, I'm scared to awnser the wrong number and be harrassed by a collection agency. I'm not a dead beat, I want this taken care of so I can get my life back on a secured and healthy one.
Thank you for your time.
Have you talked to your creditors at all about your situation?Pe
Have you talked to your creditors at all about your situation?Perhaps you could and explain to them what happened ,telling them that you want to take care of these but just cant afford the high payments with being unemployed right now.
Possibly they could waive the late fees,and maybe lower your interest rates.Then after you get back to work and get things back on track you could get back on a program like the one before.
Just sit down and figure out realistically what you could afford on each a month so that you have that handy when you talk to them. Even if its very small its better then nothing at all.Dont beat yourslef up over this ,everyone heres been in your shoes at one time.
Good Luck! Let us know how it goes.
